We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 77331 results
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Decision Reference DRN2793117
30 Sep 2014 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs M complain that they were mis-sold mortgages by an authorised representative of Legal & General Partnership Services Ltd (“L&G”).backgroundMr and Mrs M re-mortgaged following a recommendation from L&G in 2006, and did so again in 2009. It is common ground that t... (4 pages)View decision -
Decision Reference DRN-3269947
21 Jan 2022 Loans 2 Go Limited UpheldConsumer CreditDRN-3269947 The complaint Ms K has complained that Loans 2 Go Limited (“L2G” or “the lender”) was irresponsible to have agreed credit for her. What happened L2G provided Ms K with two loans, one in April 2016 and a second in April 2017. The first was for £1,500 to be repaid over three year... (4 pages)View decision -
Decision Reference DRN0190399
18 Jul 2017 Ideal Corporate Solutions Limited Not upheldBanking and creditMrs D complains, in summary, that Ideal Corporate Solutions Limited, trading as Ideal Debt Solutions, (“IDS”), didn’t provide her with appropriate information about a debt management plan (“DMP”) with it. The complaint is brought to this service on Mrs D’s behalf by a ... (3 pages)View decision -
Decision Reference DRN-5849186
6 Nov 2025 eBay Commerce UK Ltd Not upheldBanking and PaymentsDRN-5849186 The complaint Ms T complains eBay Commerce UK Ltd (Commerce) unfairly decided a money back guarantee case against her and then pursued her for the debt. Ms T is represented in her complaint, but I’ll only write about Ms T, even if she wasn’t the one sending submissions or r... (3 pages)View decision -
Decision Reference DRN-5810884
11 Sep 2025 Match the Cash Limited Not upheldConsumer CreditDRN-5810884 The complaint Mr G complains Match the Cash Limited trading as www.Guarantormyloan.co.uk (MTC) has been unreasonable in its level of engagement about an outstanding debt. What happened MTC arranged a guarantor loan for Mr G in July 2021 through its Peer to Peer (P2P) lending... (4 pages)View decision -
Decision Reference DRN-4741638
4 Jun 2024 Nationwide Building Society Not upheldBanking and PaymentsDRN-4741638 The complaint Mr M is unhappy that Nationwide Building Society will not write-off his debt, nor amend his credit file, despite his vulnerabilities. What happened Mr M took out a credit card from Nationwide on 16 March 2018. He was given a credit limit of £1,600. In May 2018 Mr ... (3 pages)View decision -
Decision Reference DRN5978291
24 Jun 2019 Lloyds Bank PLC Not upheldBanking and creditMr S complains that Lloyds Bank Plc is persecuting him about a debt and would like it to stop.backgroundMr S took out a business loan in 2009. The loan was secured on his house. Mr S didn’t maintain payments and the loan was refinanced in 2011. The monthly payments for the new loan were lo... (3 pages)View decision -
Decision Reference DRN7796037
2 Sep 2014 Tesco Personal Finance PLC UpheldPayment protection insurance (PPI)This complaint concerns the redress related to two single premium payment protection insurance policies (PPI) sold in association with two loans from Tesco Personal Finance Plc (Tesco). Tesco has upheld Mr J’s complaint and offered him redress. But Tesco wants to use the redress due fo... (4 pages)View decision -
Decision Reference DRN-5603982
12 Dec 2025 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-5603982 The complaint Mrs S complains that Barclays Bank UK PLC trading as Tesco Bank failed to issue a notice of sum in arrears (NOSIA), defaulted her credit card account and passed it to a debt purchaser. Mrs S is represented by Mr R but for ease I’ll refer to Mrs S. What happen... (3 pages)View decision -
Decision Reference DRN3358736
11 Mar 2018 Lendable Ltd Not upheldBanking and creditMr J complains that Lendable Ltd (Lendable) irresponsibly provided him with a loan without making satisfactory checks that he could afford to repay it.backgroundMr J took out a fixed sum loan with Lendable in January 2017. The loan was for £15,000 and the total sum payabl... (3 pages)View decision